656 High Point TrlHeathsvilleVA22473
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 656 High Point Trl, Heathsville, VA, 22473 in Heathsville fits: $725,000, 2.58% gross yield, and a projected 5% annual appreciation rate adding $200,304 in value within five years. Rental yield 2.58%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.48) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,677/yr in principal paydown and $200,304 in appreciation project a total return of $95,763.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.2% |
| Monthly Cash Flow | $(2,774) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $4,045 |
| DSCR Ratio | 0.39x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1986
5.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22473, Heathsville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,005 (100%) |
| Owner Occupied HU | 2,168 (54.1%) |
| Renter Occupied HU | 308 ( 7.7%) |
| Vacant Housing Units | 1,529 (38.2%) |
| Median Home Value | $363,682 |
| Average Home Value | $428,539 |
Housing Distribution
Address Breakdown
Residential
2,780
Single Family
2,752
Multi-Family
28
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1986
5.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22473, Heathsville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,005 (100%) |
| Owner Occupied HU | 2,168 (54.1%) |
| Renter Occupied HU | 308 ( 7.7%) |
| Vacant Housing Units | 1,529 (38.2%) |
| Median Home Value | $363,682 |
| Average Home Value | $428,539 |
Housing Distribution
Address Breakdown
Residential
2,780
Single Family
2,752
Multi-Family
28
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amber Walker • Bragg & Company
Mls Name: Chesapeake Bay & Rivers AOR
Mls ID: #202600028